The joint report, although not mandatory, is nevertheless strongly recommended in the event of a traffic accident.
Indeed, this document allows you to relate in detail the facts and circumstances of the claim to your car insurance.
In the absence of a report, it can be difficult to claim compensation from your car insurance.
So, what to do in the absence of an amicable report?
We tell you more.
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Do we have to make a report in the event of an accident?
Legally, the amicable report is not mandatory.
Nevertheless, it remains the preferred medium for notifying your insurer and attesting in detail to the circumstances of the accident.
It allows your car insurer to identify everyone's responsibilities.
In terms of car insurance, the joint report facilitates the compensation process and its processing time.
This thanks to all the elements reported on the said document: time, date, place, testimonies, etc.
The different cases of car accident without finding
Certain situations do not allow the establishment of an amicable report:
Absence of report in the vehicles: it happens that none of the motorists involved in the accident has a report.
Good to know: there is the e-constat application, an interface where you can create your accident report directly online and send it to your insurers.
Refusal of joint report: during a claim, the other driver refuses to complete and sign a report.
In itself, the refusal of a report does not constitute an offense since this document is not mandatory.
Hit and run: if during the accident, the motorist involved flees, you must file a complaint with the police, because fleeing constitutes an offence.
You then send the receipt of the complaint to your insurer.
Know that in this kind of case, there is a compensation solution.
This is the FGAO, the Guarantee Fund for Compulsory Damage Insurance.
This organization compensates victims out of solidarity, in the event of a hit-and-run and even in the event of the insurer's bankruptcy.
What is the deadline for making the report and sending it to the insurance?
The deadline for writing the report and sending it to your insurer is limited in time, you have 5 working days after the report of the accident.
To submit your report, you can send it by registered mail with acknowledgment of receipt, by email or directly to your insurance company.
Just be sure to use a durable medium that proves your deposit.
In order to complete your accident report as well as possible, describe in the smallest details the circumstances of the accident, the date, the place… Do not hesitate to take photos, videos and collect testimonials.
What to do if we could not make a finding?
You are the victim of an accident and you find yourself unable to complete an amicable report?
In this case, there is an alternative: the detailed declaration.
This declaration consists in writing on plain paper (letter, notebook, etc.) an exhaustive letter describing the circumstances of the accident in the smallest details:
The place of the accident
The time and date of the accident
The circumstances of the car accident or fender bender
The contact details of the people involved in the accident
Insurance contract numbers
The testimonies of people present at the time of the events
Etc.
The main thing is to mention as many details as possible so that insurers can establish everyone's responsibility and initiate compensation proceedings if necessary.
In the same way as the joint report, you have 5 working days to send your detailed declaration to your car insurance company.
Will I be compensated in the event of an accident?
To answer the question, check your insurance guarantees carefully because depending on the car insurance formula, you may not be compensated or covered.
If you only have third-party insurance, the guarantees only cover damage caused to third parties, not to the driver or the vehicle.
It is therefore better to choose a more protective insurance in order to be well compensated in the event of a car accident.
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